aaoa effect on score

Anonymous · ‎08-23-2014

Does anyone have any past experience with their AAOA going from 2 to 3 years ? Is the a point jump at all?

mongstradamus · ‎08-23-2014

@Anonymous wrote:
Does anyone have any past experience with their AAOA going from 2 to 3 years ? Is the a point jump at all?

I don't know how accurate CK is when they have the year ranges for aaoa, but they state 2-4 is one bucket next one is 4-6 and then 6-8 and then 8+. Who knows , but what i can tell you is on my ex cr my aaoa is around 5 yeas and my EQ and TU have AAOA of 11 years, and the difference in score is about 40 points.

EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16

pizzadude · ‎08-23-2014

I wouldn't expect much of a FICO score bump when you move from 2 - 3yrs of AAoA. Also be aware that CK calculates AAoA differently than FICO ( among other things ), so don't try to correlate it to FICO scoring.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

Anonymous · ‎08-25-2014

i will let you know in a month. I lost 15 points when i went from 3 years 2 months to 2 years 10 months after a new credit card.